HENIFF COMPANIES 401(K) RETIREMENT SAVINGS PLAN Investment Options
Available Funds in HENIFF COMPANIES 401(K) RETIREMENT SAVINGS PLAN
Below is the lineup of investment options available to participants in HENIFF COMPANIES 401(K) RETIREMENT SAVINGS PLAN. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.
When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.
| Investment Description |
|---|
| T. Rowe Price Blue Chip Growth Index |
| Victory Capital Victory Trivalent Intl Small Cap Fund |
| Victory Capital Victory Sycamore Small Co Opp Fund |
| JPMorgan Mid Cap Value Fund |
| JPMorgan Mid Cap Growth R6 |
| Fidelity Global EX US Index |
| Fidelity 500 Index |
| Fidelity Small Cap Index |
| Fidelity US Bond Index |
| Fidelity Mid Cap Index |
| Fidelity Emerging Markets |
| Vanguard International Growth ADM |
| Vanguard International Value Fund |
| Vanguard Equity-Income ADM |
| Dimensional Fund Advisors DFA Commodity Strategy Institutional |
| Loomis Loomis Sayles Small Cap Growth N |
| The Hartford Hartford Strategic Income R6 |
| T. Rowe Price Retirement 2005 Trust |
| T. Rowe Price Retirement 2010 Trust |
| T. Rowe Price Retirement 2015 Trust |
| T. Rowe Price Retirement 2020 Trust |
| T. Rowe Price Retirement 2025 Trust |
| T. Rowe Price Retirement 2030 Trust |
| T. Rowe Price Retirement 2035 Trust |
| T. Rowe Price Retirement 2040 Trust |
| T. Rowe Price Retirement 2045 Trust |
| T. Rowe Price Retirement 2050 Trust |
| T. Rowe Price Retirement 2055 Trust |
| T. Rowe Price Retirement 2060 Trust |
| T. Rowe Price Retirement 2065 Trust |
| T. Rowe Price Retirement Balanced |
| 1TR05AT 13,253.21 |
| 1TR10AT 266,418.61 |
| 1TR15AT 778,624.74 |
| 1TR20AT 1,919,587.57 |
| 1TR25AT 5,408,645.92 |
| 1TR30AT 9,448,741.66 |
| 1TR35AT 6,892,814.18 |
| 1TR40AT 5,745,696.42 |
| 1TR45AT 5,729,739.07 |
| 1TR50AT 2,903,155.67 |
| 1TR55AT 2,644,075.61 |
| 1TR60AT 1,358,803.46 |
| 1TRINAT 360,874.88 |
| 1TRPR65 617,470.96 |
| 1DFGEX 194,105.97 |
| 1FKEMX 179,194.22 |
| 1FSGGX 1,168,547.56 |
| 1VWILX 576,709.10 |
| 1EQINTL 28,381.49 |
| 1MISIX 10,314.09 |
| 1DCMSX 192,855.09 |
| 1FSSNX 832,282.10 |
| 1LSSNX 4,506,221.06 |
| 1VSOIX 491,826.38 |
| 1FSMDX 485,282.58 |
| 1JMGMX 1,072,272.72 |
| 1JMVYX 558,648.90 |
| 1FXAIX 3,852,584.73 |
| 1TBCIX 9,043,869.61 |
| 1VEIRX 1,871,875.77 |
| 1FXNAX 635,674.73 |
| 1HSNVX 332,888.20 |
| 1PTTRX 1,491,090.86 |
| 1MMSVFD 3.500 15,023,914.21 |
| FORFEITURES 133,187.84 |
How to Build a Smart Portfolio in Your 401(k)
Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:
- Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
- Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
- Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
- Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
- Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.
Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.
Model Asset Allocation Portfolios
Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in HENIFF COMPANIES 401(K) RETIREMENT SAVINGS PLAN. See Asset Allocation Portfolio Templates for a detailed guide.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.74% | 18.86% | 12.42% | 5.72% | 8.01% | 7.30% | 6.92% | … | … |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | … | … |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | … | … |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | … | … |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | … | … |
| S&P 500 Index | 5.96% | 30.43% | 21.65% | 12.98% | 15.09% | 13.73% | 10.93% | … | … |
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
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